The bank called me and said it would lend me a loan. Is it reliable?

First, the bank called me and offered me a loan. Is it reliable?

Call and say I'm in charge of the bank. Because my credit information is good, I am qualified to provide you with a high loan, which is generally not credible. It is doubtful that the bank will call you with a mobile phone number. Be careful.

Call and say that the loan is reliable? No, first of all, if it is a regular platform, it will not contact you in this way, just advertise directly. Second, the irregular interest rate will be much higher, even if it is not deceptive, you can't apply for this kind of loan. Third, they probably lied to you.

So, if you really need money,

Is it true that the bank called and said it could get a loan? Banks will not call customers to recommend loans, because customers who apply for loans from banks are ranked among adult customers.

The person who received this letter is by no means a bank employee. Non-financial institutions, mostly loan intermediaries, should be vigilant against such calls to avoid being deceived. Formal loan transactions are conducted in banks. Credit cards also belong to the category of loans, but they need online verification. The procedure for issuing credit cards is relatively simple.

Why do some banks take the initiative to call users for loans? Bank account data can accurately judge whether the "quick loan" of some banks is accurate according to the situation of housing mortgage loans and investment and wealth management accounts, and supplement your credit line. There are also some credit lines based on 70% enterprise mortgage rate and settlement account flow to ensure the value-added service of funds to customers.

Second, besides banks, what other reliable platforms can handle loans?

Microfinance? You can borrow money from the financial lending platform under the Alibaba platform.

You can also go to Tencent's micro-loan

It is also Baidu's rich financial platform.

Third, apart from bank loans, where are the loans reliable?

Although the loan has solved some people's difficulties to a certain extent, at the same time, some tragedies will happen from time to time in the loan industry, so many people want to find some formal and safe loan platforms, so where is the safest and most reliable place to borrow money? Let's take a look together.

1, bank. Banks are the most formal lending institutions, and the loan interest rates are relatively low, whether it is the source of funds or post-loan management. Of course, the disadvantages of bank loans are high threshold and complicated application process. However, most banks have also launched online loan products, which are more convenient to apply for, but interest rates have also increased.

2. Licensed lending institutions. Lending institutions here mainly refer to platforms with Internet licenses, such as Ant Lending, JD.COM Gold Bar and Baidu Spending. Although the interest rate of such loan platforms is much higher than that of banks, the experience is also better, including the speed of review and lending.

3.P2P platform. P2P platform has developed rapidly in the past few years, but it also exposes many problems. However, with the deepening of supervision, the operation of each platform is becoming more and more standardized. The loan interest rate of P2P platform should be higher, basically near the legal warning line. It is suggested that when choosing P2P platform, try to choose the head platform.